Buyer beware if you elect to buy insurance with VCF. When we bought our living room set I really didn't want the insurance, but I was assured by the sales lady if ANYTHING was wrong with the set it would be fixed or replaced. Yes, I should have read the warranty.
We had some stains appear on the side of the lazy boy chair. I went to a VCF store, not the University store, to see how I could make a claim. I was told to be very careful what I said when I contacted the claims office, because everything is recorded. The claims person I talked with was very friendly and helpful.
I took a half day off to wait on the claims rep from 1 to 5pm and he showed around 4pm, which was fine. He took some pictures, asked how old the furniture was and noticed we had dogs. Two days later I received an email indicating our claim was declined because of "beverage". The stain is on the side of the chair, in a place where any reasonable person wouldn't think it was caused by a liquid. So much for "anything" is covered.
Bottom line: I will never purchase anything from VCF again, you are better off spending a little more money at a reputable store and good luck on getting a claim approved if you get their insurance.